Joseph H. Cater

FROST INVESTMENT SERVICES

SAN ANTONIO, TX 78254

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CRD#: 1962910

Professional summary

Joseph Houston Cater, who also goes by Joe Cater, is a registered financial advisor currently at FROST INVESTMENT SERVICES located in San Antonio, Texas and FROST BROKERAGE SERVICES, INC. located in San Antonio, Texas.

Joseph is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1989. Joseph has worked at 18 firms and has passed the Series 65, Series 63, SIE, Series 31 and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Joe Cater

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph Houston Cater's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

July 2, 2024 - Present

FROST INVESTMENT SERVICES

Office #1: 11839 Culebra Road, San Antonio, TX 78254

RIA

CRD#: 286129

SAN ANTONIO, TX

Current

July 2, 2024 - Present

FROST BROKERAGE SERVICES, INC.

Office #1: 11839 Culebra Rd, San Antonio, TX 78253

CRD#: 17465

SAN ANTONIO, TX

Past

September 22, 2022 - June 18, 2024

VICTORY CAPITAL MANAGEMENT INC.

RIA

CRD#: 106189

SAN ANTONIO, TX

Past

September 21, 2022 - June 18, 2024

VICTORY CAPITAL SERVICES, INC.

CRD#: 37059

San Antonio, TX

Past

June 16, 2022 - September 12, 2022

CHARLES SCHWAB & CO., INC.

RIA

CRD#: 5393

San Antonio, TX

Past

June 16, 2022 - September 12, 2022

CHARLES SCHWAB & CO., INC.

CRD#: 5393

San Antonio, TX

Past

February 22, 2022 - September 12, 2022

TD AMERITRADE, INC.

RIA

CRD#: 7870

SAN ANTONIO, TX

Past

February 22, 2022 - September 12, 2022

TD AMERITRADE INVESTMENT MANAGEMENT, LLC

RIA

CRD#: 111514

San Antonio, TX

Past

February 22, 2022 - September 12, 2022

TD AMERITRADE, INC.

CRD#: 7870

SAN ANTONIO, TX

Past

March 9, 2020 - January 3, 2022

CUSO FINANCIAL SERVICES, L.P.

RIA

CRD#: 42132

San Antonio, TX

Past

March 9, 2020 - January 3, 2022

CUSO FINANCIAL SERVICES, L.P.

CRD#: 42132

San Antonio, TX

Past

November 19, 2015 - March 12, 2020

RAYMOND JAMES FINANCIAL SERVICES ADVISORS, INC

RIA

CRD#: 149018

SAN ANTONIO, TX

Past

November 11, 2015 - March 12, 2020

RAYMOND JAMES FINANCIAL SERVICES, INC.

CRD#: 6694

SAN ANTONIO, TX

Past

January 21, 2014 - November 10, 2015

CETERA INVESTMENT ADVISERS LLC

RIA

CRD#: 105644

SAN ANTONIO, TX

Past

August 16, 2005 - January 21, 2014

CETERA INVESTMENT SERVICES LLC

RIA

CRD#: 15340

SAN ANTONIO, TX

Past

August 16, 2005 - November 10, 2015

CETERA INVESTMENT SERVICES LLC

CRD#: 15340

SAN ANTONIO, TX

Past

February 6, 2004 - October 21, 2005

SECURITY SERVICE CUSO, L.L.C.

RIA

CRD#: 120092

SAN ANTONIO, TX

Past

November 21, 2002 - August 17, 2005

FISERV INVESTOR SERVICES, INC.

CRD#: 34637

HOUSTON, TX

Past

October 2, 2000 - October 22, 2002

BANC OF AMERICA INVESTMENT SERVICES, INC.

RIA

CRD#: 16361

SAN ANTONIO, TX

Past

October 2, 2000 - October 22, 2002

BANC OF AMERICA INVESTMENT SERVICES, INC.

CRD#: 16361

BOSTON, MA

Past

August 4, 1997 - September 14, 2000

CITICORP INVESTMENT SERVICES

CRD#: 23988

LONG ISLAND CITY, NY

Past

August 13, 1991 - August 8, 1996

MORGAN STANLEY DW INC.

CRD#: 7556

PURCHASE, NY

Past

July 18, 1989 - March 29, 1990

J. W. GANT & ASSOCIATES, INC.

CRD#: 7963

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

FROST INVESTMENT SERVICES

FROST INVESTMENT SERVICES | FROST INVESTMENT SERVICES, LLC

CRD#: 286129 / SEC#: 801-108754

RIA

Registered Investment Advisory firm - (1/3/2017 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

Colorado
(5/19/2025)

Texas
(7/2/2024)

IAR

Texas
(7/2/2024)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 65

Date: 3/8/1999

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 7/27/1989

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 31

Date: 2/25/1994

Futures Managed Funds Examination

General Industry/Product Exam

Series 7

Date: 7/15/1989

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

FROST INVESTMENT SERVICES

FROST INVESTMENT SERVICES | FROST INVESTMENT SERVICES, LLC

CRD#: 286129 / SEC#: 801-108754

RIA

Registered Investment Advisory firm - (1/3/2017 Approved)

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Contact information

Main Address

111 West Houston Street, San Antonio, TX 78205

Mailing Address

Po Box 2538, San Antonio, TX 78299

Phone number

(210) 220-5000

Established

Firm type

Fiscal year end

# of Employees

177

SEC notice filing (28 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FIS FORM ADV PART 2A 2025 (3/27/2025)

Regulatory assets under management

Total Number of Accounts	3,179
AUM (Assets Under Management)	$ 2,976,654,932

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
10/10/2024	Cover Page	Report
11/27/2023	Cover Page	Report
12/21/2022	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Joseph H. Cater

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Joseph Houston Cater's CRS (Customer Relationship Summary).

Certified licenses

Experience

FROST BROKERAGE SERVICES, INC.

VICTORY CAPITAL MANAGEMENT INC.

VICTORY CAPITAL SERVICES, INC.

CHARLES SCHWAB & CO., INC.

CHARLES SCHWAB & CO., INC.

TD AMERITRADE, INC.

TD AMERITRADE INVESTMENT MANAGEMENT, LLC

TD AMERITRADE, INC.

CUSO FINANCIAL SERVICES, L.P.

CUSO FINANCIAL SERVICES, L.P.

RAYMOND JAMES FINANCIAL SERVICES ADVISORS, INC

RAYMOND JAMES FINANCIAL SERVICES, INC.

CETERA INVESTMENT ADVISERS LLC

CETERA INVESTMENT SERVICES LLC

CETERA INVESTMENT SERVICES LLC

SECURITY SERVICE CUSO, L.L.C.

FISERV INVESTOR SERVICES, INC.

BANC OF AMERICA INVESTMENT SERVICES, INC.

BANC OF AMERICA INVESTMENT SERVICES, INC.

CITICORP INVESTMENT SERVICES

MORGAN STANLEY DW INC.

J. W. GANT & ASSOCIATES, INC.

Primary Firm SEC Registration

FROST INVESTMENT SERVICES

State Registrations and Notice Filings

Exams

Series 65

Date: 3/8/1999

Series 63

Date: 7/27/1989

SIE

Date: 10/1/2018

Series 31

Date: 2/25/1994

Series 7

Date: 7/15/1989

FINRA

Current Firm

FROST INVESTMENT SERVICES

Contact information

SEC notice filing (28 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

FROST INVESTMENT SERVICES

TRUST BUT VERIFY

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